232 White Oaks Cir, Bluffton, SC 29910 Property Records

Beaufort County property record for 232 White Oaks Cir, Bluffton, SC 29910

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,651 sqft · built 1986
Lot Size	0.413 acres (18,002 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Feb 2026)
Tax Bill	$7,162 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R60003100A02070000`

Property Details

APN / Parcel Number

Primary APN	`R60003100A02070000`
Alternative APN	`02460982`

Interior

Bedrooms	1 Bed
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,651 sqft Living Area
1st Floor Area	1,651 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	18,002 sqft (0.413 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	54 sqft
Patio Area	363 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	232 WHITE OAKS CIR
City	BLUFFTON
State	SC
Zip	29910-5704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4116
Legal Description	LOT 709 BLK J ROSE HILL PLAT BK 31 PAGE 142
Legal Subdivision	ROSEHILL GOLF SIDE
Legal Block	J
Legal Lot Number	709
Jurisdiction	BEAUFORT SC
Township / Civil Division	BLUFFTON
Census Block Group	3
Census Block	3006
Census Tract	2106

Owner

232 White Oaks Cir is owned and occupied by two individuals who bought it in February 2026.

Source: Beaufort County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	232 WHITE OAKS CIR, BLUFFTON, SC 29910-5704
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Warranty Deed, Transfer · Conventional Mortgage SOUTHSTATE BANK NA
Oct 7, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2026 · Amount on File
Deed Sale	Feb 27, 2026 · Amount on File
Prior Sale	Oct 7, 2022 · Amount on File
Deed Document Number	20268696
Deed Book / Page	4511 / 1334
Prior Transfer Date	Dec 19, 2012
Prior Transfer Doc	0000003204
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Feb 27, 2026
Property Address	232 WHITE OAKS CIR, BLUFFTON, SC 29910-5704
Document Number	0000008696
Book / Page	4511 / 1334
Map Reference	MB 31 PG 142
Instrument Date	Jan 23, 2026
Instrument	20260008696
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000008697
Date	Feb 27, 2026
Instrument	20260008697

Lender

Name	SOUTHSTATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAUFORT SC
Recording Date	Oct 7, 2022
Property Address	232 WHITE OAKS CIR, BLUFFTON, SC 29910-5704
Document Number	0000056034
Book / Page	4188 / 2257
Map Reference	MB 31 PG 142
Instrument Date	Oct 4, 2022
Instrument	2022056034
Transaction Type	Transfer
Record Updated	Apr 4, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,287.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	757 SE 17TH ST # 193, 193, FORT LAUDERDALE, FL 33316-2960

Mortgage

Document Number	0000056035
Date	Oct 7, 2022
Instrument	2022056035

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 232 White Oaks Cir was $7,162, up 1.7% from the year before.

Source: Beaufort County assessment roll, as of March 12, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Beaufort County
Unified School District	Beaufort County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,162.00 (+1.7%)	$28,500 (-)
2024	$7,042.00	$28,500 (-)	$475,000 (-) Land $147,000 Building $328,000
2023	$7,042.00 (+692.13%)	$28,500 (+249.26%)	$475,000 (+96.28%) Land $147,000 Building $328,000
2022	$889.00	$8,160	$242,000 Land $67,000 Building $175,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 232 White Oaks Cir in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1999.

Source: FEMA National Flood Hazard Layer, effective March 23, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 166 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	166 in force
Nearby Flood Claims	7 (1999–2016)
Claims Outside the SFHA	7 of 7
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 232 White Oaks Cir is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 61% of South Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BJW&SA serves 164,829 people · EPA ID SC0720003
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Fiber · Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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